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Journal : Journal of Islamic Business and Economic Review (JIBER)

The Effect of Financial Literacy, Risk Preference and Religiosity on Generation Z’s Investment Interest in the Islamic Capital Market Ade Eko Setiawan; Raudhoh Musyifah; Heni Noviarita
Journal of Islamic Business and Economic Review Vol 4, No 2 (2021): July, 2021
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

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Abstract

In this study was to determine and analyze the effect of financial literacy, risk preference and religiosity on generation z investment interest in the Islamic capital market. The type of research used in this research is qualitative research, with qualitative descriptive research methods. Primary data in this study were obtained by using a questionnaire distributed via google form . The population in this study was generation Z who were students of the Islamic Banking Study Program at Uin Raden Intan Lampung class 2018-2019, totaling 483 people, with a total research sample of 48 respondents. The sampling technique in this research is purvosive sampling. Based on the results of the study, it can be concluded as follows: Financial literacy (X1) partially has no effect on investment interest (Y). Risk preference (X2) partially affects investment interest (Y). Religiosity (X3) partially has no effect on investment interest (Y). Financial literacy (X1), risk preference (X2), and religiosity (X3) simultaneously have no effect on investment interest (Y).
Development of Sharia Finance Digitalization Towards Inclusive Finance Within a Sharia Maqashid Framework (Case Study on PT Bank Syariah Indonesia’s BSI Mobile Banking Product) Angel Dwi Satria; Anita Anita; Krismadayanti Krismadayanti; Heni Noviarita
Journal of Islamic Business and Economic Review Vol 4, No 2 (2021): July, 2021
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

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Abstract

The level of Islamic financial literacy and inclusion in Indonesia is still relatively low, data from the Financial Services Authority (OJK) in 2020 shows that the level of Islamic financial literacy is around 8.93% compared to the national index of 76.19% and the level of Islamic financial inclusion is around 9.9%. has not reached 10%. This low public access can be overcome by combining financial services and products with the latest technology. This is an opportunity for the Islamic finance industry to innovate digitally. The author examines digital product innovation to increase literacy and inclusion of Islamic finance, namely the "BSI Mobile Banking" application with 15 features of Islamic financial services owned by PT Bank Syariah Indonesia Tbk. This study uses a qualitative analysis method that explains the suitability of 15 application features with the maqashid sharia concept (Dharuriyyah, Hajiyat and Tahsiniyat) and analyzes the implications of digital applications on Islamic financial literacy and inclusion. The results show that the digital innovation "BSI Mobile Banking" is in accordance with the maqashid sharia concept and can help increase the level of sharia financial literacy and inclusion and support halal needs according to sharia maqashid. 
Analysis of Sharia Literacy Level and Sharia Financial Inclusion PNM Mekaar Sharia in Increasing Income Public (Study on the Fishing Community of Kuala Jaya Hamlet, South Lampung Regency) Ana Musta’anah; Kulup Bina Buono; Ria Atika; Heni Noviarita
Journal of Islamic Business and Economic Review Vol 4, No 2 (2021): July, 2021
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

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Abstract

The community requires financial literacy to manage finances in order to accomplish optimal goals and to make decisions about how to use financial institutions. A descriptive qualitative approach is used in this study, using a sample of 7 informants interviewed. Data is gathered through interviews, observations, and documentation. The credibility technique is used in the data validity technique.Internal validity (internal validity), exterior validity (external validity), dependability (reliability), and trustworthiness (objectivity). According to the findings of this study, the degree of Islamic education in the United States is at an all-time high. The fishing community in Dusun Kuala Jaya still has a poor level of financial literacy. In the meantime, the level of Islamic financial inclusion in the fishing community in the United States has increased. Dusun Kuala Jaya is a fantastic restaurant. Account ownership and saving are indicators of this. and traditional financial entities' financing